CMS Case Study
Loan Cash Flows - 6/30/2021
ASSETS
Q1Y1 Q2Y1 Q3Y1 Q4Y1 Q1Y2 Q2Y2 Q3Y2 Q4Y2
Y3
Y4
Y5
>Y5
CASH FLOW
RESIDENTIAL REAL ESTATE & HOME EQUITY
6,522 3,675 2,706 2,521 2,540 2,714 2,346 2,282 7,885 6,611 5,640 33,184
175MM
140MM
COMMERCIAL REAL ESTATE
20,381 21,290 9,498 11,726 9,850 12,073 7,115 8,266 30,984 27,278 22,709 24,369
105MM
COMMERCIAL & INDUSTRIAL
70MM
9,541 6,913 5,589 6,299 4,665 3,311 3,198 2,171 7,048 6,399 7,334 8,382
35MM
OTHER TOTAL
16,875 12,653 3,549 2,923
716
789
594
524 1,580
779
149
20
0
53,320 44,530 21,341 23,470 17,771 18,887 13,252 13,243 47,497 41,067 35,833 65,954 53,320 97,850 119,192 142,661 160,432 179,318 192,570 205,813 253,310 294,376 330,209 396,163 -373 -1,879 -4,304 -7,356 -10,416 -12,910 -15,149 -17,099 -21,570 -21,317 -16,913 0
UP 200BP RATE SCENARIO
Y1
Y2
Y3
Y4
Y5
CUMULATIVE
>Y5
CML Δ FROM BASE
ASSETS
Q1Y1 Q2Y1 Q3Y1 Q4Y1 Q1Y2 Q2Y2 Q3Y2 Q4Y2
Y3
Y4
Y5
>Y5 CASH FLOW
RESIDENTIAL REAL ESTATE & HOME EQUITY
175MM
6,557 4,024 3,315 3,384 3,477 3,504 2,951 2,884 9,540 7,396 5,807 25,787
140MM
COMMERCIAL REAL ESTATE
20,615 22,095 10,814 13,367 11,457 13,334 8,401 9,279 33,180 26,608 19,551 16,838
105MM
70MM
COMMERCIAL & INDUSTRIAL
9,617 7,177 5,984 6,746 5,076 3,684 3,501 2,492 7,888 6,300 5,977 6,410
35MM
OTHER TOTAL
16,903 12,740 3,655 3,025
821
860
637
539 1,360
510
94
6
0
BASE RATE SCENARIO
53,693 46,036 23,767 26,521 20,830 21,381 15,490 15,193 51,968 40,813 31,429 49,041 53,693 99,729 123,496 150,017 170,847 192,228 207,719 222,912 274,879 315,693 347,122 396,163
Y1
Y2
Y3
Y4
Y5
>Y5
CUMULATIVE
ASSETS
Q1Y1 Q2Y1 Q3Y1 Q4Y1 Q1Y2 Q2Y2 Q3Y2 Q4Y2
Y3
Y4
Y5
>Y5
CASH FLOW
RESIDENTIAL REAL ESTATE & HOME EQUITY
6,572 4,247 3,826 4,291 4,873 4,701 3,793 3,606 11,150 8,044 5,992 17,531
175MM
140MM
COMMERCIAL REAL ESTATE
20,733 22,500 11,475 14,186 12,243 13,931 8,997 9,728 34,000 26,040 17,861 13,845
105MM
COMMERCIAL & INDUSTRIAL
70MM
9,655 7,309 6,182 6,969 5,277 3,861 3,638 2,635 8,211 6,110 5,408 5,593
35MM
OTHER TOTAL
16,917 12,785 3,709 3,075
870
889
650
537 1,227
410
79
2
0
53,877 46,841 25,192 28,520 23,263 23,381 17,078 16,506 54,588 40,604 29,341 36,971 53,877 100,718 125,910 154,430 177,693 201,075 218,153 234,659 289,247 329,851 359,192 396,163
Y1
Y2
Y3
Y4
Y5
CUMULATIVE
DOWN 100BP RATE SCENARIO
>Y5
CML Δ FROM BASE
184
989 2,414 4,413 6,846 8,846 10,434 11,748 14,368 14,158 12,070
0
Cloyd Bank & Trust - Page 14
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